| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 333 S SEVENTH ST #1400 MINNEAPOLIS, MN 55402 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $32K | — | $32K | 1.36% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $15K | — | $15K | 0.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $699 | — | $699 | 4.50% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC. | 361 DELAWARE AVE BUFFALO, NY 14202 | VISION SERVICE PLAN | $579 | — | $579 | 3.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NOVA HEALTHCARE ADMINISTRATORS, INC EIN 16-6443379 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 6215 SHERIDAN DRIVE SUITE 100 WILLIAMSVILLE, NY 14221 | $8K |
| BENEFIT RESOURCE, LLC EIN 84-2247659 CONTRACT ADMINISTRATOR | Plan Administrator; Claims processing Service code 12 | 245 KENNETH DR. ROCHESTER, NY 14623 | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 276 | $2.4M |
| Vision | VISION SERVICE PLAN | 91 | $16K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 276 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.